If your pet has a condition and needs a medical bill covered by your insurance, it can be very expensive. Pets Best is here for you. Their coverage is 100%. Their deductible is small, and they do not discriminate based on pre-existing conditions. They will pay your claim within two days and send you a paper check.
Spot has 100% coverage
Spot's pet insurance is designed with your pet's age, breed, size, and behavior in mind. It can help prevent unexpected vet bills and make it easier to prepare for emergency situations. If you're unsure whether pet insurance is right for you and your pet, Spot offers several plans and a 10% discount for additional pets.
Spot insurance covers routine preventative care and incident-related expenses. This includes vaccinations, deworming and flea prevention. There are no waiting periods or deductibles for any of the covered benefits. Each benefit is subject to a set amount per year. SPOT will not reimburse if your claim exceeds the limit.
Spot's minimum deductible is very low
Spot customers are able to choose from policies with a $2,500 up to $10,000 deductible. They can also choose from a low or an unlimited annual deductible. They can submit claims via Spot’s app or online portal. To process a claims, they will need to obtain the medical records of their pets. Customers will receive an answer via email after they submit a claim. They can also check on the status of their claim through a personalized claims portal.
Spot's pet policy covers medical care, diagnosis tests, and treatments of major and minor ailments. It also covers medical supplies, accidental injuries, hospitalization, and surgery. Spot also covers dental cleanings, which is a benefit that is not available with other insurance policies. Spot covers 80% of your expenses and has a low deductible.
Spot's prices for young pets tend to be higher than average
Spot provides two types of pet insurance plans, Preventive Care or Accidents and Injuries. Both covers hospitalization, prescription medications, and surgery. Spot also reimburses vet expenses for illnesses and accidents. Multiple pets can be insured at a discounted rate by the insurance company.
Policies are priced between $2,500-$10,000. You have the option of choosing unlimited coverage, or an annual deductible depending on which plan is chosen. Spot's App or online claims are accepted. Veterinary records must be submitted within 270 days.
Spot does not cover pre-existing conditions
Spot's coverage covers pre-existing conditions. This is a departure from most pet insurance plans. The policy does not cover certain health conditions. For instance, dental disease, hip dysplasia, intervertebral disk disease, and other hereditary conditions aren't covered. Dental and orthodontic procedures as well expenses related to daycare and boarding are some other exclusions. The insurance policy does not cover cosmetic procedures, bilateral conditions, or any other treatment.
Spot’s pre-existing disease policy doesn’t cover arthritis treatment. The insurance company defines a "pre-existing" condition as any medical condition that existed before Spot's plan was issued. Unless the condition has been cured, insurance companies will not cover arthritis treatment. The policy does not have a maximum age, but customers will need to pay a minimum $2,500 deductible in order to cover vet bills.